I'm still digesting your earlier posts but on the last one, hm I'm not sure I agree. Sure, someone being covered by universal healthcare probably has a nominally greater risk appetite than someone who isn't covered, but I have a hard time believing that's a large margin. Would be interesting to see a comparison between privatized/public healthcare countries and their normalized rates of admission per capita. Doesn't sound like something that's easy to reliably measure though.

What I've seen first hand though is that with privatized healthcare the hospitals have great incentives to perform every tests and operation imaginable to all patients, since they're all covered by the insurance. This probably is a big reason for the current high costs and premiums. With a public single-payer system this isn't an issue.